Cheapest Car Insurance Quotes in San Jon

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San Jon Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in San Jon

The car insurance rate in San Jon is $1045 for a six-month policy, which is $11 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $712, making it a popular choice for budget-conscious drivers. Rates in San Jon can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in San Jon

$1045

Avg. Car Insurance in New Mexico

$1056

National Average

$1278

Cheapest Car Insurance Companies in San Jon

1st place: USAA

At $712 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $758 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $846 for six months, making it the third cheapest auto insurance company in San Jon.

San Jon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Jon, NM is USAA, offering policies at just $712 for a six-month term. This is followed by Encompass, which has an average six-month premium of $758.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1518 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Jon drivers find the best deals.

Cheap Car Insurance Companies in San Jon, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$712	$120
Encompass	$758	$127
Nationwide	$846	$143
State Farm	$864	$146
Central Mutual	$952	$162
Progressive	$1018	$171
Central Insurance	$1188	$202
Farmers	$1212	$204
Allstate	$1388	$234
Farm Bureau	$1518	$252

Key Takeaways

Way's key takeaways about car insurance in San Jon

The auto insurance costs in San Jon fall around $712 for six months.
The cheapest auto insurance company in San Jon is Central Mutual.
Teen drivers pay the highest rate in San Jon at $754 per month.

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Cheapest Minimum Liability Car Insurance in San Jon

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in San Jon are given below.

Central Mutual provides the cheapest minimum car insurance coverage in San Jon. Their Average 6 Month Premium is $124. Allstate is the most expensive at $506 for the same period.

Cheapest Liability Coverage in San Jon, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$124	$21
USAA	$158	$27
Central Insurance	$194	$33
Iowa Farm Bureau	$200	$34
Encompass	$242	$41
State Farm	$276	$47
Farm Bureau	$306	$52
Progressive	$342	$57
Kemper	$347	$59
Nationwide	$388	$64
Farmers	$394	$66
Allstate	$506	$85

Cheapest Full Coverage Car Insurance in San Jon

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in San Jon is USAA at $120 per month and $712 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Jon, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$712	$120
Encompass	$758	$127
Nationwide	$846	$143
State Farm	$864	$146
Central Mutual	$952	$162
Progressive	$1018	$171
Central Insurance	$1188	$202
Farmers	$1212	$204
Allstate	$1388	$234
Farm Bureau	$1518	$252

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Average Car Insurance in San Jon by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in San Jon, NM increasing?

Despite maintaining a clean driving record, your car insurance rates in San Jon, New Mexico, may be increasing due to several external factors. New Mexico has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, San Jon's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in San Jon

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	MetLife	$579
40s	MetLife	$541
50s	MetLife	$497
60s	MetLife	$472
70s	MetLife	$614

Cheapest Car Insurance Rates for Teen Drivers in San Jon,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the San Jon at $31 per month. At $4481 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$182	$31
Iowa Farm Bureau	$264	$45
Kemper	$270	$46
USAA	$1018	$171
State Farm	$1817	$306
Farm Bureau	$2511	$427
Progressive	$3152	$531
Nationwide	$3458	$588
Allstate	$4175	$703
Farmers	$4481	$754

Teen Car Insurance Rates in NM by Age

Way Tip

If you are in your twenties MetLife is the best choice for car insurance in San Jon.

As young drivers face the highest rates in San Jon, MetLife offers the cheapest auto insurance rates at $579 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in San Jon, Kemper is the cheapest car insurance provider. At $324 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in San Jon is State Farm, offering rates of around $4069 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$324	$55
USAA	$906	$150
Progressive	$1324	$223
Farmers	$1700	$286
Allstate	$1812	$308
Farm Bureau	$2270	$378
State Farm	$4069	$692

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Car Insurance Rates with An Accident in San Jon

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In San Jon, NM, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in San Jon

The cheapest car insurance companies after an at-fault accident in San Jon include Central Mutual and Central Insurance, offering $124 and $264, respectively. Farmers is an expensive provider with an average six-month premium of $2146.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$124	$21
Central Insurance	$264	$45
Encompass	$294	$50
Kemper	$318	$54
Iowa Farm Bureau	$324	$53
USAA	$530	$89
State Farm	$741	$125
Progressive	$941	$158
Nationwide	$1940	$324
Allstate	$2088	$351
Farm Bureau	$2111	$351
Farmers	$2146	$361

San Jon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Jon NM. For example, the car insurance in San Jon after a DUI increases to $929 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

San Jon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$994	$165
One Med/PIP claim	$1006	$171
Not-at-fault accident	$1035	$172
One comp claim	$1040	$177
Two Med/PIP claims	$1052	$175
Two comp claims	$1082	$184
Failure to show documents	$1094	$182
Failure to wear a seat belt	$1100	$187
Child safety restraint	$1140	$190
Driving without lights	$1140	$194
In 65 MPH zone	$1176	$196
Cell phone violation	$1182	$201
Texting while driving	$1182	$197
At-fault accident - less than $1000	$1188	$202
Driving with expired registration	$1188	$198
Speeding 11 - 15 MPH over limit	$1200	$204
Speeding 16 - 20 MPH over limit	$1200	$200
Speeding 6 - 10 MPH over limit	$1200	$204
Driving too slowly	$1206	$201
Failure to stop at a red light	$1206	$205
Failure to yield	$1206	$201
Following too closely	$1206	$205
Illegal turn	$1206	$201
Improper passing	$1206	$205
Speeding in school zone	$1206	$201
Wrong way/wrong lane	$1206	$205
Passing school bus	$1224	$204
Operating a vehicle without permission	$1240	$211
Speeding 21 - 25 MPH over limit	$1240	$207
Open container	$1382	$235
At-fault accident - $1000-$2000	$1406	$235
At-fault accident - greater than $2000	$1418	$241
Reckless driving	$1840	$307
Driving with a suspended license	$1846	$314
Refusal to submit to a chemical test	$1870	$312
DUI	$1923	$327
Racing	$1964	$328
Leaving scene of an accident/hit and run	$1976	$336

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in San Jon after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in San Jon.

The cheapest car insurance premiums in San Jon are offered by Kemper at $318 for a six-month policy. However, it can be as expensive as $2788 with companies like Farm Bureau.

San Jon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$318	$53
Central Insurance	$388	$66
USAA	$841	$142
State Farm	$900	$151
Progressive	$912	$153
Nationwide	$1270	$216
Farmers	$1324	$223
Allstate	$1700	$286
Farm Bureau	$2788	$464

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in San Jon are offered by Iowa Farm Bureau at $242. However, it can be as expensive as $2905 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in San Jon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$242	$41
State Farm	$612	$103
USAA	$612	$104
Progressive	$1158	$195
Farm Bureau	$1634	$278
Allstate	$2905	$484
Farmers	$2905	$494

Car Insurance Price Trends in San Jon, New Mexico

Car insurance rates in San Jon have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the San Jon remained steady at $219 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the San Jon remained steady at $50 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in San Jon?

The car insurance in San Jon is $21 per month, which is lower than the national average.

What is the cheapest car insurance in San Jon?

The cheapest car insurance in San Jon is $120 per month for full coverage.

How much is car insurance in San Jon for teenagers?

Car insurance for teenagers costs $182 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in San Jon?

The average cost of car insurance is $1056 for a six-month policy. It will cost around $175 per month to insure your car in San Jon.

Is car insurance expensive in San Jon?

Car insurance can be expensive in San Jon if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in San Jon can be affordable.

What is the best car insurance in San Jon, NM?

The best car insurance company in San Jon NM is USAA, offering $712 for a six-month policy.